Next, you pay out of pocket.
The HSA medical options have a deductible, which is the amount you must pay before the plan begins paying for non-preventive services. If any dependents are enrolled, you must meet the family deductible before the plan shares in the cost of eligible expenses.
After you pay the deductible, the plan will share in the cost of eligible health care expenses, called coinsurance. For example, if the plan pays 80% of the cost, you will pay the remaining 20%.
Preventive care services are covered 100% in the network throughout the plan year and do not affect your HSA.
When you incur eligible healthcare expenses, you can choose to use your HSA or you can choose to pay another way (i.e., cash, credit card) and let your HSA grow. It’s your choice.